Edward Fisher, Medicare Insurance Broker
Edward Fisher
Medicare Broker Licensed in MI and FL
5+ Years of Experience
Contact Details
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Location
Birmingham, MI
About Me
Hi, I’m Ed Fisher, a licensed independent insurance agent specializing in Medicare. With 5 years of experience helping individuals navigate their Medicare options, my goal is to simplify the process and help you feel confident in your healthcare coverage decisions.
I work with many of the top Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plan providers to ensure you have a range of plans to choose from—based on your unique health needs and budget.
Whether you're new to Medicare, looking to review your current plan, or just have questions, I’m here to guide you every step of the way.
Why Work with Me?
• Licensed and certified to offer Medicare plans in MI & FL
• Unbiased plan comparisons from multiple insurance carriers
• Personalized consultations at no cost to you
• Annual plan reviews to ensure continued satisfaction
* I'm on Medicare myself, so I understand what's important to my clients.
Serving clients locally and remotely
Disclaimer: “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”
Q&A with Edward Fisher
Will I lose my Medicare benefits if I get married?
Answer: No, you will not lose your Medicare benefits. Medicare is not like a group health plan through an employer that can cover a family on one policy. If you get married, each spouse will have their own Medicare account, assuming you both qualify.
I start Medicare in 2026 and a one-time 401(k) withdrawal in 2024 placed me in the second IRMAA tier for part of that year. When should I file Form SSA-44 so my 2027 premium returns to the lowest tier?
Answer: You don't need to file Form SSA-44 because an event like a 401(k) withdrawal or a home sale do not qualify you for a premium reduction. The premium will automatically drop down in 2027 because it's based on the income shown on your 2025 tax return, as long as it's below the IRMAA thresholds.
The bottom line is that you don't have to do anything for the 2027 premium reduction.
My mom is considering switching to a Medicare Advantage plan because her friends say it's better. She's scared of losing her current doctors. How can we check?
Answer: That's an easy one. It's the agent's job to make sure the Advantage plan being considered is accepted by her current doctors. Every carrier provides access to its roster of "in network" providers.
Remember: If the plan is an HMO, you must go to an in-network doctor or they won't pay. If the plan is a PPO, you can go outside the network, but you will pay a higher co-pay.
As always, your individual situation determines the best way to go.
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: It all comes down to your preference. Are you more comfortable with face-to-face contact with the agent rather than remotely? Either way works fine.
Remember: All Medicare agents must be licensed to do business in your state, whether in person or remotely. All agents are also required to be re-certified each year by each carrier they represent.
With today's technology, agents and clients can see each other online and review documents together, even though they are not in the same place. More and more seniors are getting accustomed to doing things virtually because of e-commerce and to stay connected with their children and grandchildren. The key is whether you trust the agent you're working with to put your best interest first.
If I need hospice care in the future, can my Medicare plan cover it?
Answer: Yes, hospice care is covered by Medicare Part A. Medicare doesn't pay for room & board in a facility, such as a hospital or hospice facility so it makes sense to an Advantage plan, a Supplement and/or a hospital indemnity plan.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare is complicated and ever-changing. Each person's situation is different, so the "one size fits all" approach doesn't work. Agents can help you navigate your way to the best plan for you.
We can answer your questions. Some people don't even know what questions to ask. There's no shame in that and no reason to be embarrassed; that's what your agent is here for.